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Comenity Capital Bank

IDRSSD: 3224580
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q3

Per-quarter snapshot for 2024-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2024-Q3QoQ 0

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q3

Bank #3224580 2024-Q3 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Asset Quality (risk).

Liquidity:Stable
Securities:Strong
Capitalization:Strong
Asset Quality:Risk
Reserves:Strong

Top 3 Watch Items

  1. risk
    Net charge-offs elevated
    Asset Quality — NCO YTD 8.27% of loans.
  2. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 4.85%.
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 4.85% (govt-guarantees stripped).

What changed this quarter

Compared to Q2 2024:
↓ 0 ptscomposite
  • Liquidity
    ↑ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -2
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ 0
75
Sub-score

Liquidity is stable: brokered 15.4%, loans/deposits 98.9%, cash 16.0% of assets.

Cash / Assets
15.99%
Loans / Deposits
98.88%
Brokered %
15.37%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.04%, CET1 16.04%, leverage 14.33%.

Tier 1 RBC
16.04%
CET1
16.04%
Leverage
14.33%
No watch items at this period.

Asset Quality

RiskQoQ -2
19
Sub-score

Asset quality is weak: Adjusted NPL 4.85%, Texas Ratio 14.7%, NCO YTD 8.27%.

Adjusted NPL
4.85%
Govt-guarantees stripped
Texas Ratio
14.7%
NCO YTD
8.27%
30-89 PD
4.43%
Band 0.3% / 3.0%
90+ PD
4.85%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.85% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 4.85%.
  • riskNet charge-offs elevated — NCO YTD 8.27% of loans.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 12.44% of loans, coverage 292.7%, true coverage 211.9%.

ALLL / Loans
12.44%
Coverage
292.7%
True Loss Coverage
211.9%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 03:58:55 UTC